"I had to refinance my home, so I am trying to get to a point where I can pass it on to my daughter that is affordable to her. And that's what I am trying to accomplish basically," said Ann Marie Hickey, who sought the assistance of NACA to get better terms with Bank of America.

NACA offers the service free of charge and works alongside homeowners who meet face-to-face with major lenders.

This is the HUD-certified agency's fifth visit to the city to help people remain in their homes.

The organization says in previous visits, it has helped an estimated 7,500 homeowners.

The organization is also taking applications from prospective homeowners, as Jacksonville is targeted for $100 million in low interest money for affordable housing.